Get paid, stay stocked, close early. Built for your café.
Take card, transfer, USSD and QR at the counter and online. Every payment lands in your Zaya account the moment it’s made. Five agents keep stock, books, cash, rota and regulars in order, inside limits you set.
Oat milk runs out Thursday. Reorder 12 cartons from Lagos Dairy?
Zaya shapes itself around what you sell.
Tell us your trade when you sign up and your till, back office and agents set themselves up for it. Same account, same app, a different experience for every merchant.
Every way Lagos pays. One place it lands.
Each sale gets its own account number for Pay with Transfer, so Zaya matches the payment to the order and the till turns green in seconds. Cards, USSD, QR and wallets settle the same way: straight into your Zaya account.
At the counter
- Tap to Pay on any iPhone or Android
- Pay with Transfer, confirmed on screen
- Verve, Visa, Mastercard on Zaya readers
- USSD and NQR for customers without cards
- Cash, counted by the till
Online
- Your online store, synced with the shelf
- Pay links for WhatsApp and Instagram
- Invoices that chase themselves
- Chowdeck, Glovo, Jumia Food orders in one queue
- Apple Pay and Google Pay
The whole back office, in your pocket and on the counter.
Everything a merchant runs on, in one system that shares one set of numbers. Tap any part to open it in Koko Coffee’s back office.
Five agents work the shop. You decide how far each one goes.
Set every agent to Off, Tell, Suggest or Act. Anything that moves money above your limit waits for your Face ID. Try it.
Your shop, from anywhere in Lagos.
Everything the back office does, on your phone: takings by the minute, stock, team, customers, payouts and approvals. Close the day from the danfo.
- Live takings. By method, by hour, by staff, against last week.
- Face ID for money. Approve supplier bills, payouts and refunds in one glance.
- Agents report in. A short brief every morning, and a nudge only when they need you.
- Tap to Pay built in. Your phone is a till when you’re away from the counter.
Pay Lagos Dairy and Bean Republic (£412) and set £86 aside for VAT?
Matched 212 sales to payments and filed yesterday’s VAT entry for FIRS.
Tolu Adeyemi · Koko Coffee, Lekki · since 2022“I used to close at nine and count until eleven. Now the day is squared before I lock the door.”
Tolu runs Koko Coffee on Admiralty Way with four staff. Most of her customers pay by transfer, and every one is confirmed on the till before the cup is handed over.
Start free. Pay as you grow.
No contract, no setup fee, no charge to receive transfers on Grow.
Start
Tap to Pay, Pay with Transfer, pay links and a simple till. Card 1.5% capped at £1.00.
Grow
Transfers in free, card 1.2%, stock, online store, loyalty, gift cards and all five agents.
Pro
Several sites, kitchen screens, team payroll, kiosk and priority support.
One account for every market you sell in.
Pick a market and the whole site, back office and app switch currency, payment methods and tax with it.
Your money is protected. Your limits are respected.
Open today. Take your first payment in five minutes.
Sign up with your phone number and BVN, add a few products, and you’re selling. Your CAC details can come later.